Increasing Your Wealth with Smarter Finance Wealth = What you own –What you Owe. In a lending sense, any ideas we can implement that reduce the amount of your money being used to pay interest on your home or investment loans increases your wealth. This can take two forms; You retain more money in your bank […]
The Back Book Effect
Is your Home Loan suffering the “Back Book” effect? In bank language, a Back Book is a lenders existing portfolio of home and investment property loans. If you have an existing home or investment loan then by default it forms part of your bank or lenders Back Book. So what you might ask, doesn’t everyone’s? Well yes they […]
Your Home Loan Interest Rate
In todays complicated home loan lending world there are six keys to your home loan interest rate . They are; Whether the purpose of the loan is for owner occupier or investment property. With most lenders, borrowers with an investment loan will pay a higher rate that an owner occupier loan. The size of the loan, or […]
Home Loan Offset Account
How to pay off your mortgage faster
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